💵 即期年金（一次性缴费每月领取）Immediate Annuity Calculator
一次性缴入本金，按年利率在固定年限内每月（或每年）等额领取：领取额 = P × r / (1 - (1 + r)^-n)。不含费用和税。本地处理。Pay a lump sum and receive equal monthly (or yearly) payouts for a fixed term: payout = P × r / (1 - (1 + r)^-n). Fees and taxes excluded. Processed locally.
使用说明与常见问题How-to & FAQ
「即期年金（一次性缴费每月领取）」是什么？What is the Immediate Annuity Calculator tool?
一次性缴入本金，按年利率在固定年限内每月（或每年）等额领取：领取额 = P × r / (1 - (1 + r)^-n)。不含费用和税。本地处理。Pay a lump sum and receive equal monthly (or yearly) payouts for a fixed term: payout = P × r / (1 - (1 + r)^-n). Fees and taxes excluded. Processed locally.
如何使用「即期年金（一次性缴费每月领取）」？How do I use the Immediate Annuity Calculator tool?
填写一次性缴费金额、年利率、领取年数，并选择按月或按年领取，即可得到每期可领取的金额（不含手续费和税）。结果会随输入实时更新。Enter the premium, the annual rate and the payout years and choose monthly or yearly payouts to get the amount of each payment (fees and taxes not included). The result updates as you type.
终身年金？Lifetime annuity?
终身年金由保险公司按预期寿命定价，通常比固定期限领取少一些。Life annuities are priced on life expectancy and usually pay a bit less than a fixed term.
能举个计算实例吗？Can you show a worked example?
例如在「即期年金（一次性缴费每月领取）」中填 一次性缴费 = 100000，年利率 % = 5，领取年数 = 20，领取频率 = 每月，结果区显示：每期领取：659.96；领取次数：240；领取总额：158,389.38；其中利息：58,389.38For example, entering Premium = 100000, Annual rate % = 5, Payout years = 20, Frequency = Monthly in the Immediate Annuity Calculator gives: Payout per period: 659.96; Number of payouts: 240; Total received: 158,389.38; Of which interest: 58,389.38
哪些输入会被检查？Which inputs are validated?
「即期年金（一次性缴费每月领取）」会检查这些输入——「一次性缴费」：必须填写，须大于 0；「年利率 %」、「领取年数」：必须填写，不能为负数；绝对值超过 10¹⁵ 的数也会被拒绝。不符合时结果区显示具体提示，不会给出数字。The Immediate Annuity Calculator checks its inputs — "Premium": required, must be greater than 0; "Annual rate %", "Payout years": required, cannot be negative; numbers above 10¹⁵ in absolute value are rejected too. When a value fails, the result area names the problem instead of showing a number.
有哪些选项可以调整？What options can I adjust?
「即期年金（一次性缴费每月领取）」的设置：「一次性缴费」默认 100000；「年利率 %」默认 5；「领取年数」默认 20；「领取频率」可选 每月、每季、每年（默认 每月）。每次生成结果都按当前设置处理。Settings in the Immediate Annuity Calculator — "Premium" default 100000; "Annual rate %" default 5; "Payout years" default 20; "Frequency": Monthly, Quarterly, Yearly (default Monthly). The result always uses the current settings.
计算结果可以作为最终依据吗？Can I rely on the result?
「即期年金（一次性缴费每月领取）」按标准公式计算，结果仅供参考；实际金额以银行、券商或税务机关的规则和四舍五入方式为准。The Immediate Annuity Calculator uses standard formulas and is for estimation only; actual figures depend on your bank, broker or tax authority's rules and rounding.
「即期年金（一次性缴费每月领取）」免费吗？需要注册吗？Is the Immediate Annuity Calculator free? Do I need an account?
「即期年金（一次性缴费每月领取）」完全免费，无需注册或安装，打开网页即可使用，手机和电脑都能用；输入的内容只在你的浏览器本地处理。The Immediate Annuity Calculator is completely free with no sign-up or install and works on phones and desktops; what you enter is processed only in your browser.